Find the Best Company
Thankfully, there are some insurance companies who will drastically drop your rates without asking you to quit your habit completely.
If you switch to smokeless tobacco products like chewing tobacco or the new e-cigarette, they will lower your rates closer to what a non-smoker would be paying. These great incentives will allow you to gradually quit, so you don’t have to drop the habit all at once.
To help you in your research, you can use an independent life insurance broker like our company. At Life Insurance Blog, we regularly work with tobacco users and are experts in this area. We’ll show you how to put together the right application and with the best company for your goals.
Life Insurance for Smokers
The bottom line: If you are a smoker who is in need of cheap term life insurance, you should really start by talking to an independent insurance agent about your options. They can help you find a term life insurance policy that will cover your needs without blowing your entire budget.
You can get instant life insurance quotes for life insurance right on this page by using the instant quote tool and we can help you find affordable life insurance, even as a smoker.